The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$125,232
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,128
−HK$3,957/mo
Today · 4.125%
HK$133,085
baseline
▲ 0.50% · 4.625%
HK$141,183
+HK$8,098/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$266,170/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,320
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,056
−HK$3,791/mo
Today · 4.125%
HK$146,847
baseline
▲ 0.50% · 4.625%
HK$154,587
+HK$7,740/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$293,694/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,279
−HK$9,424/mo
▼ 0.25% · 3.875%
HK$154,953
−HK$4,750/mo
Today · 4.125%
HK$159,703
baseline
▲ 0.50% · 4.625%
HK$169,420
+HK$9,717/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$319,406/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,184
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,667
−HK$4,549/mo
Today · 4.125%
HK$176,216
baseline
▲ 0.50% · 4.625%
HK$185,505
+HK$9,289/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$352,432/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,325
−HK$10,995/mo
▼ 0.25% · 3.875%
HK$180,779
−HK$5,541/mo
Today · 4.125%
HK$186,320
baseline
▲ 0.50% · 4.625%
HK$197,657
+HK$11,337/mo
Deposit HK$16.48M · loan HK$38.44M · min. income ≈ HK$372,640/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,047
−HK$10,538/mo
▼ 0.25% · 3.875%
HK$200,279
−HK$5,306/mo
Today · 4.125%
HK$205,585
baseline
▲ 0.50% · 4.625%
HK$216,422
+HK$10,837/mo
Deposit HK$16.48M · loan HK$38.44M · min. income ≈ HK$411,170/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,418
−HK$14,136/mo
▼ 0.25% · 3.875%
HK$232,430
−HK$7,124/mo
Today · 4.125%
HK$239,554
baseline
▲ 0.50% · 4.625%
HK$254,130
+HK$14,576/mo
Deposit HK$5.49M · loan HK$49.43M · min. income ≈ HK$479,108/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,775
−HK$13,549/mo
▼ 0.25% · 3.875%
HK$257,501
−HK$6,823/mo
Today · 4.125%
HK$264,324
baseline
▲ 0.50% · 4.625%
HK$278,257
+HK$13,933/mo
Deposit HK$5.49M · loan HK$49.43M · min. income ≈ HK$528,648/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,111 · Scale 2, in force from 26 Feb 2026)